Auto Insurance

Stay protected wherever you drive.

Reliable auto coverage designed for Michigan drivers—from commutes to road trips and everything in between.


Auto Insurance is one of the most important ways to protect your property, assets, or business. At The Lapeer Agency, we help clients across Michigan find insurance options that work for their needs and budgets. With nearly a century of experience and access to multiple carriers, we deliver solutions that are tailored—not templated. Whether you’re exploring new policies or reviewing existing coverage, we make the process easy and informed. We take time to explain the details, answer your questions, and recommend options that offer lasting peace of mind. Our local agents are here to help you make confident, well-supported decisions every step of the way. Let’s get you covered the right way.

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What This Insurance Can Cover

Auto insurance goes beyond just meeting state requirements—it protects you, your passengers, and your vehicle. Here are some of the main coverages we recommend:

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Liability Coverage

Covers bodily injury and property damage you cause to others in an accident.

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Collision Coverage

Pays to repair or replace your car if it's damaged in an accident, regardless of fault.

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Comprehensive Coverage

Covers non-collision events like theft, vandalism, hail, or hitting a deer—common in Michigan.

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Uninsured/Underinsured Motorist

Protects you if you're hit by a driver who has no insurance or not enough coverage.

Frequently Asked Questions

Here are a few of the most common Auto Insurance questions we hear from Michigan clients.

  • Does my auto insurance cover rental cars?

    Some policies do, but not all. We’ll help you understand your coverage before you rent.

  • What if I let someone else drive my car?

    In most cases, your policy still applies if someone has permission to drive—but always good to double-check your limits.

  • How are my premiums calculated?

    They're based on factors like your driving history, location, vehicle type, and coverage level.

  • What’s a deductible, and how does it work?

    A deductible is what you pay out of pocket before insurance kicks in. Higher deductibles usually lower your premium.